Interactive Planning Tools
Planning Tool

Deductible optimizer — reinvest the savings

Raising your deductible lowers your premium. The savings, invested over time, can far outpace the extra risk you're taking on — especially when claims are infrequent. See how the math works for your situation.

$1,000
$5,500
$300/yr
15 yrs
Every 9 yrs

Extra deductible exposure

—

Invested savings (7% avg)

—

Net benefit to client

—

Invested savings vs. deductible exposure
Invested savings Deductible exposure
Bar chart showing deductible optimizer results.
The bottom line: The average homeowner files a claim roughly once every 8–10 years. At that frequency, invested premium savings almost always outpace the incremental deductible — and a Holistiplan advisor can model your exact numbers, including your policy's specific claim history and carrier programs.
Book a Demo Start a Free Trial

Return rate assumed at 7% annually. This tool is for illustrative purposes only.